Companies & Insurers
Road safety is a business risk, not just a CSR theme.
ZRST works with companies and insurers to reduce crash exposure, protect staff and customers, strengthen fleet safety, sponsor safer school zones and convert road safety CSR into measurable public value.
Zambian Risk Context
Crashes create costs that companies and insurers already carry.
The road safety case for companies is not sentimental. It is operational: driver downtime, damaged vehicles, medical costs, claims exposure, reputational risk, delayed deliveries, staff trauma and preventable loss of life.
Q4 2025 crashes
Police recorded 10,400 road traffic accidents countrywide in the fourth quarter of 2025.
Source: Zambia Police statement reported by Mwebantu, 10 Jan 2026.Serious injuries
Serious accidents in Q4 2025 left 1,776 people seriously injured.
Source: Zambia Police statement reported by Mwebantu, 10 Jan 2026.Damage-only crashes
Damage-only accidents made up 7,019 reported Q4 2025 crashes.
Source: Zambia Police statement reported by Mwebantu, 10 Jan 2026.Insurance GWP in 2024
PIA reported Zambia’s insurance industry gross written premium at K9.5 billion in 2024.
Source: Pensions and Insurance Authority industry update, 2025.Corporate Partnership Options
Turn road safety into measurable risk reduction and public value.
FleetSafe Zambia
Driver safety training, route risk awareness, fatigue and speed management, vehicle checks, incident reporting and management scorecards.
Insurer-backed prevention
Risk-reduction programmes for fleet clients, school transport, PSV operators, riders and high-claim segments.
School-zone sponsorship
Support safer crossings, school safety education, visibility materials, community mobilisation and sponsor reporting.
Motorcycle and delivery-rider safety
Training and safety systems for delivery platforms, restaurants, retailers and organisations using riders.
Staff road safety campaigns
Seatbelt, speed, fatigue, drink driving, pedestrian safety and commuting-risk communication for employees.
CSR with evidence
Corporate sponsorship packaged with location, budget, outputs, photos, reporting and impact logic rather than vague publicity.
What Companies Can Buy or Sponsor
Clear packages are easier to approve.
| Offer | Best for | Outputs |
|---|---|---|
| FleetSafe driver workshop | Companies, NGOs, schools, logistics firms, PSV operators. | Training, attendance list, pre/post test, certificates, summary report. |
| Corporate fleet risk review | Organisations with repeated incidents or high travel exposure. | Policy review, route risk notes, management recommendations, scorecard. |
| School safety sponsorship | Banks, insurers, telecoms, mines, retailers, breweries, foundations. | School assessment, education session, community activation, sponsor report. |
| Insurer road safety programme | General insurers, brokers, corporate risk teams. | Client training package, claims-prevention messaging, branded safety toolkit. |
Make road safety part of your risk and ESG strategy.
ZRST can prepare a corporate proposal for driver training, school-zone sponsorship, rider safety, insurer partnerships or corridor-based public safety campaigns.
Donors & Foundations
Fund road safety work that is specific, measurable and locally grounded.
ZRST works with donors and foundations to design road safety programmes around verified Zambian risk: child safety, school zones, pedestrian protection, motorcycle safety, fleet safety, post-crash response, Safe System policy and safer walking and cycling.
Why Zambia Needs Investment
The case for road safety funding is grounded in national data.
Road safety is a public health issue, a child protection issue, a transport planning issue and an economic development issue. Donor support should help Zambia move from episodic campaigns to structured prevention, safer systems and stronger local implementation.
Q4 2025 crashes
Police recorded 10,400 road traffic accidents countrywide in Q4 2025.
Source: Zambia Police statement reported by Mwebantu, 10 Jan 2026.Q4 2025 deaths
Police reported 667 deaths in Q4 2025 road traffic accidents.
Source: Zambia Police statement reported by Mwebantu, 10 Jan 2026.Child casualties
Police reported 385 child casualties in Q4 2025, including boys and girls killed or injured.
Source: Zambia Police statement reported by Mwebantu, 10 Jan 2026.Child dependency ratio
Zambia’s 2022 child dependency ratio was 76.1 children under 15 per 100 working-age persons.
Source: Zambia Statistics Agency, 2022 Census Summary Report.Fundable Programme Areas
Programmes donors can realistically support
Safe School Zones
School-zone risk assessments, education, crossings, signage advocacy, community engagement, sponsor reporting and scale-up documentation.
Pedestrian and cycling safety
Corridor assessments, NMT policy support, safe walking routes, public education and local authority implementation support.
Motorcycle safety
Rider training, helmet advocacy, delivery-rider safety, employer engagement and public education.
Post-crash response and victims
Victim support pathways, survivor dignity, trauma awareness, policy dialogue and Road Traffic Victims Fund development.
Road safety data and policy
Crash data briefs, public dashboards, policy notes, media explainers, local road safety observatories and evidence translation.
Council capacity building
Safe System training, school-zone planning, NMT implementation, speed management and practical road safety tools for local authorities.
Donor Assurance
What ZRST should promise — and what it should not.
| Donor concern | ZRST response | Evidence to provide |
|---|---|---|
| Is the problem real? | Use official crash, census, education and local risk data. | Source notes, baseline observations, site photos and official statistics. |
| Is the intervention specific? | Define schools, corridors, districts, target groups and outputs. | Workplan, budget, implementation map and partner roles. |
| Can ZRST deliver? | Use partnership letters, past delivery evidence and realistic staffing plans. | Project reports, photos, attendance records and stakeholder confirmation. |
| Will claims be credible? | Report outputs and measured changes; avoid unsupported casualty-reduction claims. | Before/after observations, surveys, compliance data and transparent limitations. |
Invite ZRST to develop a fundable road safety concept.
ZRST can prepare concept notes, logframes, budgets, partner letters, monitoring plans and implementation proposals for road safety programmes in Zambia.